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STOCKS

Consumer Portfolio Services (CPSS)

NASDAQ:CPSS

CPSS

Consumer Portfolio Services

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Consumer Portfolio Services (CPSS) Ratios

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Consumer Portfolio Services Ratios

CPSS's free cash flow for Q1 2025 was $0.99. For the 2025 fiscal year, CPSS's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	10.75	0.00	0.26	0.30	12.92
Quick Ratio	10.70	0.00	0.24	0.28	12.89
Cash Ratio	0.04	0.00	0.24	0.28	0.11
Solvency Ratio	0.15	0.02	0.08	0.09	0.10
Operating Cash Flow Ratio	1.61	0.00	3.90	1.88	2.01
Short-Term Operating Cash Flow Coverage	1.61	0.00	0.76	1.88	2.01
Net Current Asset Value	$ -887.27M	$ -2.62B	$ -2.51B	$ -1.96B	$ -475.34M
Leverage Ratios
Debt-to-Assets Ratio	0.90	0.88	0.90	0.90	0.92
Debt-to-Equity Ratio	11.30	9.34	10.81	11.43	14.77
Debt-to-Capital Ratio	0.92	0.90	0.92	0.92	0.94
Long-Term Debt-to-Capital Ratio	0.92	0.90	0.91	0.92	0.94
Financial Leverage Ratio	12.53	10.57	12.05	12.69	16.09
Debt Service Coverage Ratio	0.03	-0.11	-0.08	-0.10	<0.01
Interest Coverage Ratio	0.08	0.42	18.47	0.87	0.20
Debt to Market Cap	32.09	13.08	13.31	7.67	21.78
Interest Debt Per Share	107.07	129.84	121.98	89.57	91.58
Net Debt to EBITDA	223.11	0.00	0.00	0.00	0.00
Profitability Margins
Gross Profit Margin	99.54%	97.03%	96.89%	95.99%	95.63%
EBIT Margin	3.89%	-0.39%	-0.67%	-0.87%	-1.05%
EBITDA Margin	4.35%	0.00%	0.00%	0.00%	0.00%
Operating Profit Margin	3.89%	28.47%	667.42%	34.14%	11.85%
Pretax Profit Margin	3.89%	28.47%	47.98%	34.14%	11.85%
Net Profit Margin	2.30%	21.13%	35.50%	24.68%	12.76%
Continuous Operations Profit Margin	2.30%	21.13%	35.50%	24.68%	12.76%
Net Income Per EBT	59.00%	74.21%	74.00%	72.28%	107.74%
EBT Per EBIT	100.00%	100.00%	7.19%	100.00%	100.00%
Return on Assets (ROA)	0.21%	1.56%	3.12%	2.20%	1.01%
Return on Equity (ROE)	2.67%	16.51%	37.65%	27.92%	16.25%
Return on Capital Employed (ROCE)	0.38%	2.10%	59.92%	3.20%	0.99%
Return on Invested Capital (ROIC)	0.37%	1.56%	470.50%	142.60%	1.41%
Return on Tangible Assets	0.22%	1.56%	3.14%	2.22%	1.03%
Earnings Yield	7.16%	23.16%	46.36%	17.78%	22.61%
Efficiency Ratios
Receivables Turnover	0.16	0.00	373.17	84.87	0.11
Payables Turnover	0.00	0.00	0.14	0.00	0.00
Inventory Turnover	0.14	0.00	13.20	3.12	1.95
Fixed Asset Turnover	155.60	49.95	145.89	170.57	205.10
Asset Turnover	0.09	0.07	0.09	0.09	0.08
Working Capital Turnover Ratio	0.35	-12.23	-4.22	0.29	0.12
Cash Conversion Cycle	4.80K	0.00	-2.66K	121.16	3.46K
Days of Sales Outstanding	2.24K	0.00	0.98	4.30	3.27K
Days of Inventory Outstanding	2.56K	0.00	27.66	116.86	186.85
Days of Payables Outstanding	0.00	0.00	2.68K	0.00	0.00
Operating Cycle	4.80K	0.00	28.64	121.16	3.46K
Cash Flow Ratios
Operating Cash Flow Per Share	9.67	11.39	10.30	8.78	10.56
Free Cash Flow Per Share	9.64	11.36	10.20	8.70	10.56
CapEx Per Share	0.03	0.03	0.10	0.09	<0.01
Free Cash Flow to Operating Cash Flow	1.00	1.00	0.99	0.99	1.00
Dividend Paid and CapEx Coverage Ratio	288.66	425.72	100.48	100.30	9.95K
Capital Expenditure Coverage Ratio	288.66	425.72	100.48	100.30	9.95K
Operating Cash Flow Coverage Ratio	0.09	0.09	0.09	0.10	0.12
Operating Cash Flow to Sales Ratio	0.92	1.11	0.89	1.03	1.41
Free Cash Flow Yield	285.98%	121.26%	115.26%	73.39%	249.03%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.97	4.32	2.16	5.63	4.42
Price-to-Sales (P/S) Ratio	0.32	0.91	0.77	1.39	0.56
Price-to-Book (P/B) Ratio	0.37	0.71	0.81	1.57	0.72
Price-to-Free Cash Flow (P/FCF) Ratio	0.35	0.82	0.87	1.36	0.40
Price-to-Operating Cash Flow Ratio	0.35	0.82	0.86	1.35	0.40
Price-to-Earnings Growth (PEG) Ratio	-0.24	-0.09	0.02	0.05	0.01
Price-to-Fair Value	0.37	0.71	0.81	1.57	0.72
Enterprise Value Multiple	230.49	0.00	0.00	0.00	0.00
Enterprise Value	2.36B	2.76B	2.64B	2.18B	2.05B
EV to EBITDA	230.49	0.00	0.00	0.00	0.00
EV to Sales	10.03	12.84	10.90	11.34	12.08
EV to Free Cash Flow	10.92	11.61	12.35	11.13	8.59
EV to Operating Cash Flow	10.89	11.58	12.23	11.02	8.59
Tangible Book Value Per Share	7.56	12.85	10.28	6.51	4.47
Shareholders’ Equity Per Share	9.04	13.14	10.90	7.54	5.90
Tax and Other Ratios
Effective Tax Rate	0.41	0.26	0.26	0.28	-0.08
Revenue Per Share	10.50	10.27	11.56	8.54	7.51
Net Income Per Share	0.24	2.17	4.10	2.11	0.96
Tax Burden	0.59	0.74	0.74	0.72	1.08
Interest Burden	1.00	-72.13	-71.81	-39.25	-11.28
Research & Development to Revenue	<0.01	0.00	<0.01	<0.01	<0.01
SG&A to Revenue	0.48	0.64	0.50	0.60	0.66
Stock-Based Compensation to Revenue	<0.01	0.02	0.02	0.01	0.01
Income Quality	40.10	5.25	2.51	4.17	11.01

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